But now fast: The time window for changing car insurance is now closing fairly quickly.
For many drivers, the opportunity to easily change their car insurance ends on November 30th. Since most motor vehicle insurance contracts are concluded for a calendar year, they can be canceled by this deadline without any special reason.
Insurance companies and comparison portals use the weeks before the end of November to lure drivers willing to switch. But if you are still considering getting a cheaper tariff, you have to hurry. If the insurance company has not given notice of termination on December 1st, the contract is automatically extended for the new year. Notice of termination must be made in writing in any case. An informal cover letter is enough. It should contain the contract number, registration number of the vehicle and the end of the contract (31.12.). Address and telephone number are also an advantage. In addition, the signature and date must of course not be missing in the cover letter. If you want to be on the safe side, send them by registered mail against acknowledgment of receipt. One should also bear in mind that the postal route takes time. But there is also the possibility to cancel by email without a signature. This is possible for contracts concluded after October 01st, 2016, as indicated by the ACE automobile club. However, if you cancel by email, you must ensure that your email can be assigned. Like an informal letter, the e-mail should contain at least the address, contract number, license number of the vehicle and the end of the contract. It is best to save the mail as proof. If the cancellation is submitted by whatever means, the insurance cover remains in effect until December 31.12st. The new contract should be from 1.1. begin.
Drivers who do not feel like struggling through comparison portals and insurance offers can simply call their own insurance company or - if available - contact their insurance agent. Often, your own insurance company also grants existing customers the benefits it gives new customers. In addition, personal requirements may have changed. If no family member under the age of 25 uses the car anymore or parks the vehicle under a carport or in a garage instead of on the street, this can have a positive impact on the insurance premium. In times of home office there are further savings options. If the annual mileage has dropped drastically, you should inform the insurance company. Many insurance companies take this into account in their contributions.